Hours of Operation Tuesday 9am – 6p Wednesday - Thursday 9am to 4pm Friday  9am - 4pm Saturday  9am - 1pm

Statement of Financial Condition August 31, 2018 & 2017 Assets 2018   2017 Variance Cash 2,197,430 1,022,071 1,175,359 Loans 3,271,187 3,128,679 142,508 Investments 16,211,957 17,077,274 (865,317) Fixed Assets 11,306 14,231 (2,925) Other 79,599 83,206 (3,607) Total Assets 21,771,479 21,325,461 446,018 Liabilities & Equity Liabilities 12,711 12,725 ( 14) Shares 18,806,768 18,571,626 235,142 Equity 2,952,000 2,741,110 210,890 Total Liabilities & Equity

Statement of Operations 2018 & 2017 2018   2017 VARIANCE Income From Investments 190,896 180,767 10,129 Interest on Loans (net) 84,047 85,079 (1,032) Income From Fees & Charges 77,806 59,464 18,342 Non-Operating Income 152,226 Total Income 504,975 477,536 27,439 OPERATING EXPENSE Compensation & Benefits 111,914 Association & Professional Dues Amortization Improvements 4,539 Depreciation Furniture/Fixtures 1,497 701 796 Rent 40,312 Office Operations Expense 114,736 104,748 9,988 Advertising/Promotion/Training 5,275 2,110 3,165 Loan Servicing Expense 1,815 1,207 608 Professional/Outside Services 21,836 15,924 5,912 Provision for Loan Loss NCUA Operating Fees 3,196 2,859 337 Cash over and Short (55) 1,264 (1,319) Annual Meeting Expense 1,347 1,589 (242) Misc Operating Expense 54 359 (305) Gain (Loss) on Investment 479 Total Operating Expense 306,466 288,005 18,461 Dividend Expense 50,650 53,075 2,425 Net Income (Loss) 147,859 136,456 11,403

Board Chair

Financial Preparedness

Emergency Financial First Aid Kit

When a disaster strikes you may only have seconds or minutes to react. Are you ready to evacuate your family and pets? What should you take with you? What about your finances?

Step 1: Assess and Compile Gather your important documents and contracts and place in a binder. Consider signing up for direct deposit in the event postal delivery is interrupted. Print or download to your phone bills and bank statements. Create and maintain a list of medications, physician and dentist contact information, immunization records, health insurance ID cards, living wills, power of attorney, advance directives, attorney contact information, personal financial statement, vehicle registration, landlord/mortgage representative, insurance agent contact information , etc. Take photos or record video of the rooms in your home any valuables. Keep some cash on hand in a safe location. Step 1: Assess and Compile

Step II. Review Examine insurance policies and financial records to ensure that they are accurate and current. Home owners and renters make sure your property is sufficiently covered for damages that may occur in a disaster. Review auto insurance policies and make sure they are current. Review your bank account information to make sure it reflects updated information.

Store all paper and electronic copies of documents in a safe location. Step III. Safeguard Store all paper and electronic copies of documents in a safe location. Consider storing important documents in a fireproof and waterproof box or safe. Store all electronic documents in a password-protected format on a external hard drive that can be stored in your fireproof safe. If you bank online, store a paper or electronic copy of bills for use and easy access. Make sure your family knows where all important documents are kept and the passwords to retrieve electronic documents.

Step IV. Update Make changes to your emergency financial first aid kit often but  especially when you:  Change insurance providers Change residence Open or close bank accounts Get married Have children Retire Experience a death in the family

www. ready. gov/financialpreparedness www. disasterassistance. gov www www.ready.gov/financialpreparedness www.disasterassistance.gov www.consumerfinance.gov/blog/avoid- loan-scams-after-a-natural-disaster www.consumerfinance.gov/consumer- tools/financial-well-being www.operationhope.org/disastertools www.redcross.org www.nslfcu.org HOPE Coalition America 888-388-HOPE

Documents Everyone Should Have Power of Attorney - a legal document which allows you to appoint a person or organization to manage your financial and medical affairs if you become unable to do so. Revocable Trust – or  living trust, a legal document through which your assets are placed into a trust for your benefit during your lifetime and then transferred to designated beneficiaries at your death by your chosen representative, called a "successor trustee." Last Will & Testament – a legal document that identifies who should receive your property, name guardian for any minor children, and designate someone to carry out your wishes. Advance Directives – a legal document which lets others know what your medical preferences are in the event you are unable to communicate for yourself due to illness or medical emergency. Please consult an attorney, financial planner, or the Church for more detailed information.